Blue Ridge Bankshares, Inc. (BRBS) Fair Value 2026

BRBS · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.1 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (24/100)

Quick Summary — As of 2026-08-31, Blue Ridge Bankshares, Inc. (BRBS) trades at $3.90, versus a $2.44 median fair value across its 5 active models — 37.4% below the current price. QOC: 7.1/10. Value Trap Risk: 24/100 (SAFE). 5/13 models active.

Key Facts

Ticker
BRBS
Price
$3.90
Quality Score
7.1/10
Value Trap Risk
24/100
Models Active
5/13
Last Updated
Strength: Markov DDM suggests +2.7% upside with 52% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is Blue Ridge Bankshares, Inc. (BRBS) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Blue Ridge Bankshares, Inc. (BRBS) appears overvalued as of : the median of 5 independent fair value estimates is $2.44, 37.4% below the current price of $3.90. Estimates range from $1.13 to $4.00. BRBS scores 7.1/10 on fundamental quality and 24/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.1% versus its own 13-model consensus, across 3,804 rated companies as of 2026-08-31. BRBS’s -37.4% gap is wider than that market norm, and the Banks - Regional sector median is -21.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Blue Ridge Bankshares, Inc. Stock in 2026? →

What Fair Value Does Each Model Give BRBS?

5 Intrinsic Value Models vs. Current Price ($3.90)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $2.44 -37.4%
Intrinsic · High Conviction
 $4.00 +2.7%
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What Is BRBS's Fair Value Range?

Spread across 5 independent models · $1.13 to $4.00

CirclFi's 5 active models place Blue Ridge Bankshares, Inc. (BRBS) between $1.13 and $4.00 per share, a spread of 118% of the median. The median of that range — $2.44 — is the fair value CirclFi publishes for BRBS, against a current price of $3.90.

Low · ML-RIVHigh · Markov DDM
$1.13median $2.44$4.00
Where the range comes from
Most bearish modelML Residual Income$1.13
Most bullish modelMarkov DDM$4.00
Model agreement0 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for BRBS. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on BRBS, not a CirclFi price target. How each model works →

What Is Blue Ridge Bankshares, Inc. (BRBS) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Blue Ridge Bankshares, Inc.'s intrinsic value is estimated at $2.44, suggesting the stock is overvalued at its current price of $3.90. With 4 out of 5 models flagging downside (-37.4% vs price), the market may be pricing in unsustainable growth. The most optimistic model, Markov DDM, places fair value at $4.00 (+2.7%), while ML-RIV — the most conservative — estimates $1.13 (-71.1%). This +73.7% gap reflects genuine analytical uncertainty about Blue Ridge Bankshares, Inc.'s intrinsic worth.

What Do the Models Say About BRBS?

5 of 13 models are currently active for BRBS. Of these, 1 model suggests upside while 4 models suggest overvaluation. Taken together, their median fair value for BRBS is $2.44 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does BRBS Rank in Banks - Regional?

Among 352 Banks - Regional stocks, BRBS ranks #299 by Quality of Company score. CirclFi's QOC score of 7.1/10 evaluates 32 fundamental signals. A score of 7.1 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, Blue Ridge Bankshares, Inc. competes in an environment where deposit growth often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is BRBS a Value Trap?

CirclFi's Value Trap algorithm assigns BRBS a score of 24/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Blue Ridge Bankshares, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Blue Ridge Bankshares, Inc. is rated at 7.1/10. This solid-tier score maintains reasonable quality metrics with some areas for improvement.

The gap between the most bullish and bearish model spans +73.7% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every BRBS valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across BRBS's 5 active models, average confidence is 34%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Blue Ridge Bankshares, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

FINWFinWise BancorpQOC 7.1CIBGrupo Cibest S.A.QOC 7.1MCHBMechanics BancorpQOC 7.1FCCOFirst Community CorporationQOC 7.0KRNYKearny Financial Corp.QOC 7.2CFFNCapitol Federal Financial, Inc.QOC 7.0BSVNBank7 Corp.QOC 8.6PNCThe PNC Financial Services Group, Inc.QOC 8.2AROWArrow Financial CorporationQOC 7.8STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: FINW · CIB · MCHB · FCCO · KRNY · CFFN · BSVN · PNC · AROW · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to BRBS?

7 companies across all industries closest to BRBS’s Quality of Company score of 7.1/10.

EFOREverforth, Inc.QOC 7.1VIAVViavi Solutions Inc.QOC 7.1SDHCSmith Douglas Homes Corp.QOC 7.1NLSTNetlist, Inc.QOC 7.1CEVACEVA, Inc.QOC 7.1NVCRNovoCure LimitedQOC 7.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: EFOR · VIAV · SDHC · NLST · CEVA · NVCR · NVDA

Where Does BRBS Sit in CirclFi's Banks - Regional Rankings?

BRBS is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Blue Ridge Bankshares, Inc.’s Valuation?

What is Blue Ridge Bankshares, Inc.'s intrinsic value in 2026?

CirclFi puts Blue Ridge Bankshares, Inc. (BRBS)'s intrinsic value at $2.44 — the median of 5 independent model estimates as of 2026-08-31, ranging from $1.13 to $4.00. The Quality of Company score is 7.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is BRBS overvalued or undervalued right now?

At $3.90, 1 of 5 active models suggest BRBS may be undervalued, while 4 indicate potential overvaluation. The median of all 5 fair value estimates is $2.44, 37.4% below the current price of $3.90 — a consensus view that BRBS is overvalued. The assessment depends on which methodology best fits Blue Ridge Bankshares, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.1 mean for BRBS?

Blue Ridge Bankshares, Inc.'s QOC of 7.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on BRBS?

CirclFi analyzes BRBS with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on BRBS?

Of the 5 models currently active on BRBS, Markov DDM is the most bullish at $4.00 per share, and ML Residual Income is the most bearish at $1.13. CirclFi's published fair value for BRBS is the median of that range, $2.44, not either extreme. The gap between the two ends equals 118% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is BRBS a value trap in 2026?

Blue Ridge Bankshares, Inc.'s Value Trap score is 24/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Blue Ridge Bankshares, Inc. (BRBS) has a median fair value of $2.44 — 37.4% below the current price of $3.90 — as of 2026-08-31.” Source: circlfi.com/stock/BRBS/ · Methodology
Primary sources for this BRBS valuation
  • Financial statements: Blue Ridge Bankshares, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000842717) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for BRBS as of ; valuations recomputed .

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